1. Forms
NAICS 722410

Drinking Places (Alcoholic Beverages)

Forms written for this kind of business. Core coverage forms and general endorsements apply to every account and are not listed here.

Businessowners (ISO BP)

42 forms
Form CodeTitleTypeWho needs it
BP 00 03Businessowners Coverage FormCoverageSmall and midsize "Main Street" accounts that meet ISO BOP eligibility: apartments, offices, retail, wholesale, processing and service risks, restaurants, contractors, hotels/motels, self-storage, light manufacturing and similar.
BP 04 02Additional Insured - Managers Or Lessors Of PremisesEndorsementTenants whose lease requires the landlord or property manager to be an additional insured.
BP 04 04Hired Auto And Non-Owned Auto LiabilityEndorsementBOP accounts with no owned autos whose employees run errands, make deliveries or travel in personal or rented vehicles for the business.
BP 04 16Additional Insured - Lessor Of Leased EquipmentEndorsementBOP accounts that lease equipment (copiers, kitchen equipment, forklifts, medical devices) under agreements requiring the lessor to be an additional insured.
BP 04 19Amendment - Liquor Liability Exclusion - Exception For Scheduled Premises Or ActivitiesEndorsementBOP accounts with limited, scheduled alcohol exposures such as events, tastings or a scheduled premises.
BP 04 46Ordinance Or Law CoverageEndorsementOwners of buildings insured on a BOP, especially older buildings and buildings that do not meet current codes; also tenants responsible for improvements.
BP 04 48Additional Insured - Designated Person Or OrganizationEndorsementAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 04 83Agreed Value - Removal Of Insurance-To-Value ProvisionEndorsementAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 04 88Liquor LiabilityEndorsementBOP restaurants and other eligible accounts that sell or serve alcohol.
BP 04 89Liquor Liability CoverageEndorsementBOP restaurants, wine bars, brew pubs and other eligible accounts in the business of selling or serving alcohol.
BP 04 98Employee Benefits Liability CoverageEndorsementBOP accounts with employees enrolled in health, retirement or other benefit plans the employer administers.
BP 05 47Computer Fraud And Funds Transfer FraudEndorsementBOP accounts that bank online or move funds electronically and want limited computer and funds transfer fraud coverage.
BP 05 89Employment-Related Practices Liability EndorsementEndorsementSmall employers on a BOP that want EPL bundled with their package.
BP 05 95Electronic Data Liability - Limited Coverage Subject To Cyber Incident ExclusionEndorsementAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 07 78RestaurantsEndorsementLimited cooking, quick service, full service and fine dining restaurants, brew pubs and wine bars that meet ISO BOP restaurant eligibility.
BP 10 03Earthquake And Volcanic Eruption EndorsementEndorsementBOP accounts in earthquake-exposed regions that want to buy back the earth movement exclusion.
BP 10 79Flood CoverageEndorsementBOP accounts with flood exposure, including those needing limits above the NFIP maximum.
BP 10 89Space Weather ExclusionExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 10 90Exclusion - WarExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 10 91Space Weather Exclusion With Ensuing Cause Of Loss ExceptionExclusionBOP accounts in states that use the ensuing-fire version of the space weather exclusion (for example Georgia, Massachusetts and Oregon).
BP 12 03Loss Payable ProvisionsEndorsementBOP accounts with financed equipment, leased property, a contract-of-sale or a landlord who must be named on property claim payments.
BP 12 40Actual Cash Value With Depreciation Of Materials And SuppliesEndorsementBOP building and property accounts where actual cash value applies to a loss.
BP 12 41Actual Cash Value With Depreciation Of Materials And Supplies And Labor And ServicesEndorsementBOP building and property accounts where actual cash value applies to a loss.
BP 12 42Actual Cash Value With Depreciation Of Materials And Supplies, And Labor And Services, And Contractor Overhead And ProfitEndorsementBOP building and property accounts where actual cash value applies to a loss.
BP 12 43Additional Property Not CoveredEndorsementAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 15 04Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or InformationExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 05Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - Limited Bodily Injury Exception Not Included WithdrawnExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 06Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information (Personal And Advertising Injury Only)ExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 07Information Security Protection EndorsementEndorsementAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 60Cyber Incident ExclusionExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 83Additional Insured - Automatic Status When Required In Written Contract Or AgreementEndorsementAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 18 03Cyber Incident Liability ExclusionExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 18 05Electronic Data Liability - Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury ExceptionEndorsementAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 18 41Exclusion - Generative Artificial IntelligenceExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 42Exclusion - Generative Artificial Intelligence (Personal And Advertising Injury Only)ExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 43Exclusion - Human TraffickingExclusionHotels and motels, bars and nightclubs, massage and personal care businesses and other accounts with trafficking exposure.
BP 18 44Exclusion - Punitive DamagesExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 45Exclusion - Assault Or BatteryExclusionBars, restaurants, hotels and habitational risks where altercations on premises are a known exposure.
BP 18 46Condition - Litigation Funding Mutual DisclosureConditionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 47Exclusion - Assault Or Battery With Exception For Reasonable ForceExclusionBars, restaurants, hotels and habitational risks with altercation exposure.
BP DS 03Restaurants Supplemental ScheduleDeclarationRestaurants written on a BOP with the Restaurants endorsement.
BP DS 06Flood Coverage ScheduleDeclarationBOP accounts buying flood coverage through the ISO Flood Coverage endorsement, either excess of NFIP limits or first dollar.

Commercial General Liability (ISO CG)

20 forms
Form CodeTitleTypeWho needs it
CG 00 33Liquor Liability Coverage Form (Occurrence)CoverageBars, taverns, restaurants, nightclubs, breweries and wineries with tasting rooms, liquor stores and caterers that sell or serve alcohol.
CG 00 34Liquor Liability Coverage Form (Claims-Made)CoverageLiquor licensees whose carrier writes liquor liability on a claims-made basis.
CG 03 05Deductible Liability Insurance (Liquor Liability)EndorsementBars, restaurants and other liquor licensees writing ISO liquor liability with a deductible.
CG 21 50Amendment Of Liquor Liability ExclusionEndorsementRestaurants, venues, event spaces and other businesses where alcohol is present, including BYOB establishments.
CG 21 51Amendment Of Liquor Liability Exclusion – Exception For Scheduled Premises Or ActivitiesEndorsementBusinesses with BYOB or alcohol-related exposures where the carrier will cover specific premises or activities.
CG 24 06Liquor Liability – Bring Your Own Alcohol EstablishmentsEndorsementBYOB restaurants and venues that buy ISO liquor liability.
CG 24 07Products/Completed Operations Hazard RedefinedEndorsementRestaurants, bars, food service and retailers whose products are consumed or used on their own premises.
CG 24 08Liquor LiabilityEndorsementBusinesses where the carrier will include liquor liability within the CGL rather than on a separate liquor form.
CG 25 14Designated Location(s) Aggregate Limit (Liquor Liability)EndorsementMulti-location bars, restaurants and liquor licensees insured under ISO liquor liability forms.
CG 28 06Limitation Of Coverage To Insured Premises (Liquor Liability)EndorsementLiquor licensees whose liquor policy should apply only at their licensed premises.
CG 29 52Amendment Of Liquor Liability Exclusion (CG 29 52)EndorsementAccounts where the carrier files this version of the amended liquor exclusion.
CG 29 53Amendment Of Liquor Liability Exclusion – Exception For Scheduled Premises Or Activities (CG 29 53)EndorsementAccounts where the carrier files this version of the amended liquor exclusion with scheduled exceptions.
CG 34 01Additional Insured – Owners, Managers Or Lessors Of Premises – Liquor LiabilityEndorsementBars, restaurants, taverns and other liquor licensees that lease their premises and buy ISO liquor liability coverage.
CG 34 02Additional Insured – Grantor Of Franchise – Liquor LiabilityEndorsementFranchised restaurants, bars and hotels that sell alcohol and carry ISO liquor liability coverage.
CG 34 03Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations – Liquor LiabilityEndorsementCaterers, event organizers, festivals and licensees serving alcohol at events on public property under a permit.
CG 34 04Additional Insured – Sponsor(s) – Liquor LiabilityEndorsementLiquor licensees and caterers serving alcohol at sponsored events.
CG 35 09Exclusion – Assault Or Battery (Liquor Liability)ExclusionBars, taverns, nightclubs and restaurants that buy ISO liquor liability.
CG 40 09Amendment Of Liquor Liability Exclusion – Limited Exception For Bring Your Own AlcoholEndorsementRestaurants and venues that allow customers to bring their own alcohol.
CG 40 51Exclusion – Assault Or BatteryExclusionBars, nightclubs, restaurants with late hours, apartment and hotel owners, security firms, event venues, convenience stores and other accounts with fight or violent-crime exposure.
CG DS 03Liquor Liability DeclarationsDeclarationLiquor licensees insured on ISO liquor liability forms.

Commercial Inland Marine (ISO CM)

1 forms
Form CodeTitleTypeWho needs it
CM 00 28Signs Coverage FormCoverageAny business with outdoor or freestanding signs (retailers, restaurants, gas stations, auto dealers, shopping centers), and sign companies holding customers' signs.

Commercial Property (ISO CP)

14 forms
Form CodeTitleTypeWho needs it
CP 00 40Legal Liability Coverage FormCoverageTenants and bailees legally responsible for a landlord's building or customers' property: tenants of single-occupant buildings, restaurants, warehouses, repair shops and storage operations.
CP 00 60Leasehold Interest Coverage FormCoverageTenants holding long-term leases at below-market rent, or that paid lease bonuses or prepaid rent they would lose if the lease is cancelled after a fire or other covered loss.
CP 04 11Protective SafeguardsEndorsementProperties rated with sprinkler, fire-alarm or hood-system credits: restaurants with commercial cooking (P-5), sprinklered warehouses, manufacturers, apartments and office buildings.
CP 04 26Ordinance Or Law Coverage For Tenant's Interest In Improvements And Betterments (Tenant's Policy)EndorsementTenants that have invested heavily in build-outs they cannot remove: restaurants, medical and dental offices, retail stores, salons, fitness centers, labs.
CP 04 40Spoilage CoverageEndorsementBusinesses holding temperature- or humidity-controlled stock: restaurants, grocery and convenience stores, florists, pharmacies, food processors and distributors, cold storage, labs.
CP 10 35Watercraft ExclusionExclusionWaterfront properties whose docks, piers, bulkheads or similar structures have been added as covered property: marinas, waterfront restaurants and hotels, condominium associations, terminals.
CP 10 54Windstorm Or Hail ExclusionExclusionCoastal and high-wind-zone properties where wind is written separately through a state windstorm pool or wind-only market (TX, FL, LA, MS, AL, SC, NC coastal areas).
CP 14 01Scheduled Building Property – Tenant's PolicyEndorsementTenants whose leases make them responsible for plate glass, storefronts, HVAC units or other building fixtures and equipment: retailers, restaurants, offices in multi-tenant buildings.
CP 14 02Unscheduled Building Property – Tenant's PolicyEndorsementTenants with lease obligations for glass, fixtures or building equipment who prefer blanket limits: retail, restaurant and office tenants.
CP 14 40Outdoor SignsEndorsementBusinesses with valuable freestanding or building-mounted signs: retailers, restaurants, auto dealers, hotels, gas stations and convenience stores, shopping centers.
CP 14 70Building Glass – Tenant's PolicyEndorsementTenants with lease responsibility for storefront, display or plate glass: retail stores, restaurants, banks, showrooms.
CP 15 03Business Income – Landlord As Additional Insured (Rental Value)EndorsementTenants whose leases require them to insure the landlord's rental income (rent loss) for the leased premises, typical of net leases and single-tenant buildings.
CP 15 05Food Contamination (Business Interruption And Extra Expense)EndorsementRestaurants, bars, caterers, food trucks, delis, bakeries, grocery prepared-food operations and institutional food service.
CP DS 05Legal Liability Coverage ScheduleDeclarationAccounts written with the ISO Legal Liability Coverage Form, such as tenants and bailees insuring liability for others' property.

Commercial Liability Umbrella (ISO CU)

3 forms
Form CodeTitleTypeWho needs it
CU 21 13Amendment Of Liquor Liability ExclusionExclusionBars, restaurants, caterers, venues and other businesses that sell, serve or furnish alcohol.
CU 21 14Amendment Of Liquor Liability Exclusion – Exception For Scheduled Premises Or ActivitiesExclusionBusinesses and organizations that serve or sell alcohol at specific premises or events.
CU 34 68Exclusion – Assault Or BatteryExclusionHospitality, nightlife, habitational, security and event businesses with assault and battery exposure.

Employment-Related Practices Liability (ISO EP)

20 forms
Form CodeTitleTypeWho needs it
EP 00 01Employment-Related Practices Liability Coverage FormCoverageAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 00 02Employment-Related Practices Liability Coverage Form (Separate Limits For Defense And Indemnity)CoverageAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 12Who Is An Insured - Restricted Coverage For EmployeesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 13Who Is An Insured - Outside Director, Trustee, Officer Or MemberEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 14Counsel SelectionEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 15Named Employee(s) ExclusionExclusionAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 18Liability To Independent ContractorsEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 20Liability To Non-EmployeesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 21Nuclear Energy Liability Exclusion Endorsement (Broad Form)ExclusionAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 33Amendment Of Consent To SettleEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 34Amendment Of Coverage Territory - Worldwide CoverageEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 35Amendment Of Coverage Territory - Worldwide Coverage Except For Specified CountriesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 36Amendment Of Coverage Territory - Additional Scheduled CountriesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 03 01Co-Payment Liability InsuranceEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 03 02Deductible And Co-Payment Liability InsuranceEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 20 01Additional Insured - Designated Person Or OrganizationEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 20 04Additional Insured - Independent Contractor(s)EndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 21 01Exclusion - Designated Ongoing Operation(s)ExclusionAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 28 01Extended Reporting Period EndorsementEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP DS 01Employment-Related Practices Liability DeclarationsDeclarationAny employer buying stand-alone employment practices liability on the ISO EP program.

Homeowners (ISO HO)

1 forms
Form CodeTitleTypeWho needs it
HO 07 54Liquor Liability Exclusion And Exception For Scheduled ActivitiesEndorsementHome businesses with incidental alcohol exposures.

Commercial Inland Marine – ISO IH Series Forms

3 forms
Form CodeTitleTypeWho needs it
IH 00 67Signs Coverage FormCoverageBusinesses with valuable signs or street clocks, and sign companies holding customers' signs.
IH 67 01Artificially Generated Electric, Magnetic Or Electromagnetic Energy Coverage – SignsEndorsementBusinesses with electric, LED or electronic message signs insured on IH 00 67.
IH DS 67Signs DeclarationsDeclarationAccounts insured under the ISO Signs Coverage Form.

Capital Assets Program – Output Policy (ISO OP)

1 forms
Form CodeTitleTypeWho needs it
OP 04 05Spoilage Coverage (Capital Assets Program)EndorsementOutput policy accounts with perishable stock.

Workers Compensation and Employers Liability (NCCI WC)

2 forms
Form CodeTitleTypeWho needs it
WC 00 01 08Nonappropriated Fund Instrumentalities Act Coverage EndorsementEndorsementEmployers operating nonappropriated fund activities for the armed forces, such as exchanges, clubs, lodging and recreation programs on military installations.
WC 00 02 04Limited Maritime Coverage EndorsementEndorsementLand-based employers whose employees occasionally work aboard vessels and could be found to be crew members, such as contractors, caterers and service technicians.